02/09/2026
If you own a seasonal home or short-term rental, sub-zero temperatures bring a different level of risk.
Vacant or between-guest properties are especially vulnerable to:
• Frozen and burst pipes
• Heating system failures
• Water damage that goes unnoticed for days
• Guest liability claims from icy walkways
Many homeowners do not realize that short-term rentals often require different coverage than a standard home policy. Some policies have specific vacancy limitations or exclusions.
If you rent your property, even occasionally, it is worth making sure your coverage is structured correctly before something happens.
Extreme cold is not the time to discover a gap.
Stay warm and protect your investment.
**dRossInsurance
short term rental insurance, Airbnb insurance coverage, vacation home insurance Upstate NY, seasonal home insurance